Gauss: Payoff Credit Card Debt

Reach your financial goals with new ways to boost credit, personalized financial insights, visualize your payoff progress, and lower APR cash to pay off credit cards.

Experience the smartest way to manage and pay off credit cards. We’ve helped users pay off millions in credit card debt.

CREDIT BUILDING
Improve your credit history and credit score without even thinking about it. No credit checks. Monthly payments less than $5. Instant initial reporting. Earn rewards and enable a Low APR Gauss Credit Line application for just using the service.

MOVE BALANCES OFF EXPENSIVE CARDS
Instantly transfer up to $15k from expensive credit cards to a low APR credit line. Pay off balances much faster and save hundreds of dollars on interest charges. Instant approval, soft credit check. See Details section for more information.

ALL YOUR CREDIT CARDS IN ONE APP
Different due dates, minimum payments, separate logins, APRs, and balances can be hard to keep up with. Easily manage all of your credit card bills from a single app.

SEE YOUR DEBT FREE DATES & RECOMMENDED PAYMENTS
See the exact month your debts will be fully paid based on your monthly contributions. Increase your contributions to move your debt-free dates up with our recommended payments.

GRAPH YOUR MONTHLY PROGRESS
Visualize your progress and watch your net worth grow as you pay off debt. Stay motivated as you see your total debt decrease while your financial health strengthens.

TRACK YOUR CASH FLOW
Track all of your income and expenses with ease. We bring all of your transactions together to show a clear snapshot of your finances and where you can improve. See how you spend and earn across categories and accounts, instantly understand how much cash you retain, review larger transactions, uncover services that you no longer use and more.

SMART BUDGETING
Easily set and track monthly budgets to pay off debt faster and save more. Use personalized budget recommendations based on your data to get started in less than a minute. See a clear snapshot of your monthly spend broken out by category and get alerts when you’ve gone over budget. Track your progress with everything graphed out in your dashboard for easy monitoring.

DATA SAFETY
Your data security and privacy is our top priority. Bank-level security is applied to all your data, and all of your data is 256-bit encrypted. You link your banks via Plaid - the industry leader in secured and private bank connectivity. All data is read-only. You can disconnect your accounts at any time. We don’t sell or share your data with any third parties unless required by law.

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COMING SOON:

PERSONALIZED FINANCIAL AI-ASSISTANT
Chat with an AI-powered personal finance assistant to make the perfect decision with your money, every time.

AUTOMATED SNOWBALL AND AVALANCHE PAYOFF TACTICS
Choose a plan and let the app handle the rest. We’ll automate the process of following one of the 2 most popular debt payoff strategies. Just set it and forget it!
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DETAILS:
A low APR Gauss Credit Line for balance transfers requires prime FICO scores. 14-18% variable APR (which is the same as interest rate; changes with prime rate) is charged on your Gauss Line balance. There’s no balance on Gauss Line until your cards are actually paid. We never charge interest on interest. The service is available in certain states; check if your state is supported in the first steps of onboarding in the app.

The app and user support is only available in English. Gauss is not affiliated with Truebill, Extra Card, Credit Karma, Earnest, Earnin, Petal1, Chime, Monarch Money, Digit, , Brigit, Grid Money, Undebt.it, Dave, Unbury.me, Klover, Empower, Tally, Money Lion, Bright Money.

Recent changes:
Stability improvements and bug fixes